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Get the Rewards You Deserve

Get the Rewards You Deserve

Exclusively for Navy Federal members who are Active Duty, National Guard or Reserves E-7 Through E-91

It’s an Honor to Serve You

Your devoted years of service are proof of your commitment to our nation, and we want you to enjoy the benefits of our exclusive Senior Enlisted Reward Program. To take advantage of the great offers below, visit a branch or call us at 1-877-720-7121 to sign up for the Reward Program.

Exclusive Offers1

Loan Discounts

Enjoy a 1% rate discount on many consumer loans—including car, motorcycle, boat, RV and certain personal loans.2  Your discounted rate remains with the loan, even after you retire.

Credit Card Specials

Get a 0% intro APR on purchases made within the first 6 months of opening an account, and on all balance transfers made within 60 days of account opening for 12 months. After that, a variable APR between 11.24% and 18% applies. Plus, you can get a $0 intro annual fee on a Visa Signature® Flagship Rewards Card for the first year; a $49 annual fee applies thereafter. 3

Mortgage and Equity Loan Perks

Receive a $250 loyalty card when you close on a first mortgage or equity loan and equity line of credit with us.4

Navigating Life in the Military

From transitioning into and out of military life, to deployment and living overseas, your life is unique. Here are some resources to help guide your journey, no matter where you are.

Learn More

We Serve Where You Serve

Finding a nearby branch or no-fee ATM couldn’t be easier. Use our locator tool to find one close to you.

Learn More

Get Up to $500 When You Refer Your Eligibile Friends5

Refer new Senior NCOs for membership, and you'll get $100 for each one who joins. Remember to provide referrals with your Access Number.

Call Us Today to refer a member.

Member Benefits

Once you become a member, you’re part of our family. We’re dedicated to providing you with all the support you need to reach your financial goals, along with the banking experience you deserve.

Membership Is a Big Deal

Our members could earn and save $4736 per year by banking with us. See how you can take advantage of your new membership perks.

Learn More about some of your new membership perks.



All offers subject to change at any time. Proof of rank will be required to verify program eligibility. Applicant must be primary account holder on all accounts and applications. Retired military, foreign nationals, warrant officers, and spouses of eligible members are not eligible for the Senior Enlisted Reward Program and any of its offers.


Proof of rank required to verify eligibility. This 1% APR discount may not be combined with any other discount. Emergency Relief Loans, Career Kickoff Loans, Savings/Certificate Secured Loans, and Student Loans are not eligible for this 1% APR discount. Underwriting guidelines apply. Credit and—as applicable—collateral, subject to approval. Navy Federal reserves the right to end or modify this offer at any time.


As of 05/20/2024, nRewards® Secured card rate is 18.00% APR and will vary with the market based on the U.S. Prime Rate. All other Navy Federal Credit Card rates range from 11.24% APR to 18.00% APR, are based on product type and creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. Balance transfer offer: Offer valid for balances transferred from non-Navy Federal credit cards within 60 days of account opening. Balance transfers are not eligible to earn rewards. Maximum total transfer amount is limited to your available credit line. Balance transfers using convenience checks are excluded from this offer. If you transfer a balance with this offer, interest will be charged on purchases made with your credit card, unless your purchases have a 0% APR or you pay the entire balance, including any transferred balances, in full each month by the payment due date. Limit of one promotional offer at account opening. Navy Federal reserves the right to end or modify this offer at any time. Offer excludes Navy Federal Business, Home Equity Line Platinum, and nRewards Secured credit cards. 


Offer available for new applications on equity loans, equity lines of credit, and first mortgage refinance and purchase loans. Proof of rank will be required to verify program eligibility. The Loyalty Card will be mailed to you within 4-6 weeks after your loan closes with Navy Federal. Recipient is solely responsible for any personal tax liability arising out of the acceptance of this offer. Offer may expire anytime without prior notice. Certain product exclusions may apply. One Loyalty Card per closing.


Offer can expire anytime without prior notice. To receive the $100 bonus, the person referred for membership must be Active Duty, National Guard, or Reserves E-7 through E-9 and at least 18 years of age. Referring members must be at least 18 years of age and in good standing. Program must be mentioned at the time of joining for account to be credited, and referred individuals must have referring member’s name and Access Number. Recruiters are not eligible to refer recruits. If the referred person is ineligible for membership, Navy Federal reserves the right to reclaim the referral awards. Accounts must be in good standing for credit to be processed. Bonus deposited within 14 business days of referred individual's membership being established. Limit 5 referrals per member. Navy Federal employees and their immediate family are not eligible to participate in this program. Recipient is solely responsible for any personal tax liability arising out of the acceptance of this incentive.


Dollar value shown represents the results of the 2022 Navy Federal Member Giveback Study. The Member Giveback Study takes into consideration internal market analyses comparing Navy Federal products with industry national averages, as well as member discounts, incentives, and other savings.